I do not trust this insurance. they give your personal information to other people. The quality is very poor. reach them by phone is a pain (1-2 hours wait). when you go to a doctor, the doctor seems to know more private information about you than you know about yourself. the doctors sometimes refused to treat you (believe me). you wait in the room for the doctor to come and see you for about 1-2 hours. The doctor has no desire to listen to you. the doctor seems to have been told about you before hand and treat you as you on medic-aide. I pay premiums and I feel the money is a waste. my family rare to see doctors. dentist don't even mention: they do not do any quality job; they do more damage to your teeth than good treatment. the co-payment for prescription is too high. this insurance is more less a welfare insurance. it is sad but true. I believe section 8 people get much better attention that teacher health people. the only main problem is we pay premium and section 8 people have a free ride. Do not hate me; I just tell you the truth. when you file a complain to them they use it against you and they do never ever share the result with you.